# Nivelo

**Canonical:** https://apis.io/providers/nivelo/  
**Website:** https://nivelo.io/  
**APIs profiled:** 1

Nivelo is a New York City fintech that operates a payments risk and money-movement platform for the payroll industry, serving payment service providers (PSPs) and professional employer organizations (PEOs). Nivelo provides real-time payment risk intelligence and automated money movement across ACH, Wires, RTP, and FedNow rails, with capabilities including NSF (non-sufficient funds) prevention, ACH returns management, KYB and fraud monitoring, and treasury management. Its products include Exposure Scan (payment-risk identification), the Scorer Engine (a real-time ACH return-risk scoring API that predicts the likelihood of an ACH transaction failing before origination), and Instant Payroll (instant debits with auto-routing across payment rails to reduce failed payroll disbursements). Nivelo was founded in 2020 by Eli Polanco and Philippe Legault and raised a $2.5M seed round led by FirstMark, Barclays, and Anthemis.

## Kin Score — 27.1 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 27.1).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 15.2 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 9.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Nivelo Scorer API** — Nivelo's real-time ACH return-risk scoring API. A RESTful endpoint that accepts ACH transaction data as JSON and returns a risk score and a prediction of the likelihood of an AC...

## Security (4)

- **Nivelo Authentication** — http · 1 scheme
- **Nivelo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Nivelo Vulnerability Disclosure** — Hackerone
- **Nivelo Trust Center** — SOC 2 Type 2, FCRA, CCPA, GDPR

## Tags

Company, Payments, ACH, Fintech, Payroll, Risk, Fraud Detection, Money Movement, Real-Time Payments, Treasury, FedNow, RTP

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/nivelo/). Scores are computed from the provider's own public artifacts under a published rubric.